One observation I noticed in that heat map (I know it's an approx.) is that it seems people love to stay for many years near the 215.

That is the free electricity.The kitchen before being furnished.The kitchen and living room area looking from the kitchen towards the living room.The rooftop and clean water system.

But the various Curves I see (Most Optimistic to the Worst case scenario, etc) all looks terrible...Having been observing how S.

There is one model out there that pins likely outcomes to observed deaths which is likely more accurate but probably conservative in my state where we still are not sheltering in place.

(Note: I am not against affordable housing at all, simply an observation)Like you mentioned reserves are needed. 

I ran to Starbucks this morning (coffee machine is a community amenity on our rooftop lounge, access to both recently removed) and experienced a very gratifying interaction with plenty of social distancing.

Current Observations:1.

This is just my observation having gone thru it once already.

My 45 days are up April 20, so I have time to sit back and observe the market in the interim.

That is likely why this disaster loan has the element of being eligible for landlords.The SBA is not screaming from the rooftops to have landlords apply to this.